Mortgage Solutions Tailored to You
From first-time buyers to seasoned investors — we make every step simple, transparent, and stress-free.
- Mortgage Purchase
Your first home or your next investment
Whether you’re purchasing your very first home, or your third investment property, we will be there step-by-step to ensure you endure as little stress as possible and offer the best products/ solutions for your needs.
- Mortgage Renewals
Smart renewals that work for you
About six months before your renewal, we’ll review your current mortgage and explore better options. We’ll compare rates, terms, and products across multiple lenders to ensure you’re getting the most value and flexibility when it’s time to renew.
- Mortgage Refinancing
Unlock your home’s equity with confidence.
Whatever the reason may be for you to refinance your existing mortgage, we will ensure we are providing you with you best options that are the most cost effective. Depending on your existing mortgage, we may refinance with the same lender, or move it to another lender to save you money and/or better suit your needs.
Some reasons for refinancing may include:
- Consolidate debt
- Take equity out to purchase another property
- Take advantage of lower rates
- Pay for your kids education
- independent brokerage
How We Can Serve You
As an independent brokerage of Dominion Lending Centres, we offer a wide range of solutions to fit your specific needs. We are a licensed mortgage broker in British Columbia and Alberta, but can underwrite any mortgage across Canada with our lending partners.
Prime Financing
Prime, or A-lenders, are your big banks, local credit unions, and monoline lenders that focus on clients with good credit (typically above a 650 beacon), and conforming/ verifiable income. Their guidelines are the most strict and have to comply with OFSI regulations. Since they are the most risk-adverse, they have the ability to offer the lowest rates on the market.
Alternative Financing
There are two main reasons why someone would need to consider Alternative (or B) lenders: bruised credit or non-conforming income. The big caveats to using these lenders, is there is a minimum down payment requirement of at least 20%, a lender fee (typically 1%), and higher interest rates.
Private Financing
Private financing focuses on the property’s value rather than credit or income. Lenders base decisions on loan-to-value and property marketability, offering up to 80–90% financing in some cases. It’s ideal for unique or urgent situations but typically comes with higher rates and fees.
- Let’s Simplify Your Mortgage Journey
Expert advice, competitive rates, and a process built around you.
No matter your goals, we’re ready to help you find the right mortgage solution. Book a virtual or in-person meeting today and experience why clients across Canada trust Lendit Mortgage Group.
Bruised credit
Whether you've gone through bankruptcy, a consumer proposal, have outstanding collections, or a series of missed payments, the Alternative space is where you'll need to be in order to get financing before your credit gets corrected.
Non-conforming income
For a lot of self-employed individuals, their main goal is to save as much tax as possible when filing their income. In order to do this, their income will become effectively much lower than it really is, which hinders their ability to get financing through traditional A-lenders. Alternative lenders can, for example, consider bank statements rather than your tax returns to dictate your income level or to support a self-declared income level.